Outsourced Accounts Receivable
SummitGate works your overdue B2B receivables as an embedded extension of your finance team. Fixed monthly fee. Your customers pay you directly. No collection agency involved.
The Problem
Most $5–30M B2B companies don't have a dedicated AR person. The controller chases invoices between closing the books and answering the CEO. Invoices slip past 60, 90, 120 days. Cash sits on the table.
Nobody's full-time job is chasing invoices. Reminders go out late — or not at all. Past-due balances compound quietly.
An AR specialist costs $50–65K fully loaded. Recruiting takes months. Turnover resets the clock. You need coverage now.
Third-party collectors use their own name, their own tone, their own timeline. Your customer relationship takes the hit.
Receivables depreciate. A $10K invoice at 120 days is worth less than at 30. The longer it sits, the harder it is to collect.
How It Works
No software to install. No process to learn. We plug into your existing workflow and start working your receivables within a week.
Send us your open invoices and customer contacts. CSV, Excel — whatever your system exports. We map it to our workflow.
We follow up with your customers under your name and email domain. Friendly reminders, escalation tiers, dispute routing — all handled.
Payments go directly to your bank account. We never touch your money. No lockbox, no escrow, no assignment of receivables.
Aging summary, collection progress, dispute status, DSO trends. You see everything — we operate as your team, not a black box.
Why SummitGate
We operate under your brand, protect your relationships, and charge a flat fee — no percentage of what we collect.
Your customers see your name and your email domain. We never identify as SummitGate in debtor communications. Your relationships stay intact.
No contingency fees. No percentage of collections. You pay a predictable monthly rate — structurally cheaper than the 15–25% agencies charge.
Founded by someone with 10 years in private equity, private credit, and M&A. Your receivables get analyst-grade judgment, not scripted calls.
Your Data
Short answer: carefully. We collect the minimum, touch nothing financial, and delete everything when we're done.
Invoice number, amount, date, due date. Customer name and business email. Payment terms and status. That's it.
Bank account numbers. Payment credentials. Social Security numbers. Consumer personal data. Extra columns in your export get deleted on receipt.
Your customers' money — they pay you directly. Your receivables — you own every invoice, always.
Secured Google Workspace. 2FA enforced. One person has access. No staff, no subcontractors. Every action logged.
All emails go out under your company name and your domain. You see every message in your mailbox. Nothing sends without your approved templates.
Contract ends, your data is deleted within 30 days. Written confirmation provided. You can request deletion any time. Mutual NDA signed before we see a single invoice.
Who We Work With
We work best with companies where invoice volume is high, payment terms are net-30 to net-60, and the person chasing receivables has three other jobs.
Recurring service contracts with net-30 to net-60 terms
High invoice volume with multiple customers paying on different cycles
No dedicated AR person — controller or owner chases invoices part-time
US-based B2B companies with $5M–$30M revenue and lean finance teams
About
SummitGate Partners was founded by Nikhil C. Before starting SummitGate, Nikhil spent a decade in private equity, private credit, and M&A — underwriting credit risk, analyzing cash flows, and structuring deals.
That background shapes how SummitGate works receivables: with analytical rigor, clear communication, and respect for the client relationships behind every invoice.
SummitGate is not a collection agency. It is a first-party AR support function — operating under your brand, funded by a fixed fee, and designed to recover cash without damaging the commercial relationships that generate it.
Nikhil on LinkedInSend us your aging report. We'll review it and tell you exactly how we can help — no commitment, no pitch deck, no pressure.
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